No more FOMO
Do more of what you love with a St.George Personal Loan.
Why a St.George Personal Loan?
- Personalised rates: Know that you're getting the best rate for your needs
- Fast response: Apply online and get a response within 60 seconds
- Flexibility: Access your extra repayments free of charge1
- Be in control: Choose a loan term between 1 – 7 years, and set your repayment frequency (weekly, fortnightly or monthly)
Our Personal Loans
Unsecured Personal Loan
- Borrow up to $50k: Borrow between $2k – $50k
- Access funds within 60 minutes: After final approval, accept your online contract and funds will be transferred within the hour to your St. George transaction account>>
- Set an end date: You’re in control with a clear repayment structure. This helps you plan your finances more effectively; helps you build credit and gives you peace of mind that there is an end in sight
- Redraw if you need to: Unexpected expenses? Access your repayments free of charge, at any time with our variable rate personal loan1
What you could use an Unsecured Personal Loan for:
- Fund your wedding, honeymoon, book a holiday, renovate the bathroom: You could make your dreams a reality without going over budget
- Consolidate your debts and simplify your finances:
- Less financial admin in your life: Just keep track of one regular repayment on your combined debt, and save money over time by eliminating multiple fees and charges
- Make one regular repayment: A single loan may provide a clearer view of when you’ll be debt-free
Secured Car Loan
- Borrow up to $100k: Choose an amount between $3k – $100k and get into your next car sooner
- No balloon payment: Your loan is paid in full at the end of the loan term
- Lower interest rate: Our Car Loan offers a lower rate than our Unsecured Personal Loan
Eligibility, credit criteria, T&Cs apply. Offer ends 30 April 2025.
Whats the difference between a Secured or Unsecured loan?
A secured loan requires an asset, such as a car, as security for your loan. If you don't repay your loan, the lender can sell the asset to cover the cost of the loan.
An unsecured loan can be used for general purposes and doesn't require an asset for your personal loan.
Key rates and fees
| 7.49% p.a. to 20.59% p.a. | Interest rate range |
| 8.54% p.a. to 21.59% p.a. |
Comparison rate range^ |
| 16.09% p.a. |
Median rate (Around half of our customers receive the median rate or lower) |
| $2,000 - $50,000 | Borrowing amount |
| 1 - 7 years | Loan term |
Key Fees
| $250## | Lending establishment fee |
| $10 | Monthly loan account fee |
| $150 | Loan discharge fee if you fully repay the loan within the first 12 months |
| $100 | Loan discharge fee if you fully repay the loan after the first 12 months and before the end of the loan term |
Fees are subject to change.
Important information
Any advice on this website is general in nature and has been prepared without considering your objectives, financial situation or needs. Please read the product disclaimer and Terms and Conditions documents and consider your individual circumstances before applying for a St. George Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information is correct as of 6 March 2025. Interest rates are subject to change.
*Fixed or Variable Interest rate discount of 1% p.a. off personalised rate on an Unsecured Personal Loan – To receive this offer applicants must click through via the 'Apply now' button. This is available to eligible existing St.George customers who apply, are approved and accept a St.George Unsecured Personal Loan contract by 30 April 2025. You will receive a 1% p.a. interest rate discount on your final fixed or variable interest rate, which could range from 7.49% p.a. to 20.59% p.a. (comparison rate 8.54% p.a. to 21.59% p.a.^). The lowest rate a customer could receive is 7.49% p.a. (comparison rate 8.54% p.a.). Excludes non-resident or migrant applicants. Eligibility, credit criteria, T&Cs and other fees apply. This offer cannot be used in conjunction with any other offer and may be varied or withdrawn at any time. All other fees outlined on the Product page and in the Terms and Conditions apply. Offer starts 6 March 2025 until 30 April 2025.
The rate for some customers is based on personalised pricing. Instead of a one-size-fits-all approach, personalised pricing allows us to offer more people personal loans at a better rate, based on an assessment of credit history as well as the information provided in the application.
**$125 off establishment fee offer on a St.George Secured Personal Loan (Car Loan) – To receive this offer applicants must click through via the 'Apply now' button. This is available to eligible existing St.George customers who apply, are approved and accept a Secured Personal Loan by 30 April 2025. You will be charged $125 for your establishment fee (St.George establishment fee is $250). Offer is subject to change or could be withdrawn at any time. Eligibility, credit criteria, T&Cs and other fees apply. This offer cannot be used in conjunction with any other offer and may be varied or withdrawn at any time. Excludes non-resident or migrant applicants. All other fees outlined on the Product page and in the Terms and Conditions apply. The offers start 06 March 2025 until 30 April 2025.
^Comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. Costs such as loan discharge fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
>>Access to funds within 60 minutes: Available for existing customers who are approved for a personal loan. Loan funds will be disbursed into an existing St.George transaction account 60 minutes from when e-contract acceptance has been received. Funds requested to be transferred to a non-St.George account will take up to 3 days.
1A Redraw facility is available on variable interest rate loans only. Redraw requests are subject to approval. Minimum redraw amount is $500 and a $0 redraw fee applies to each approved request. Other fees and charges may apply.
##The lending establishment fee will be deducted from your loan amount. Please read full terms and conditions & fees and charges before making a decision to apply for a St.George Personal Loan.
Unless otherwise specified, the products and services described on this website are available only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.